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Old 08-27-2013, 12:31 PM
Jimking Jimking is offline
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Join Date: Mar 2009
Posts: 879
15 yr Member
Jimking Jimking is offline
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Join Date: Mar 2009
Posts: 879
15 yr Member
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Quote:
Originally Posted by Nanc View Post
Thanks for your reply and input! The odd thing is that they paid for one week of STD...one week?? And they determined this was all I was eligible to receive. I talked to firms all over the place and the only ones that would even think about taking it would charge up front. This is a problem for us because I haven't been paid since I got that check for one week of STD in January. My husband works for the Dept of Defense and has been going thru furloughs, which JUST ended. I am thankful that SSD was approved, especially because we will not have to pay the 10% penalty for taking my 401k money (we put it towards refinacing our house so we could stay here). But I will not begin receiving SSD payments until Oct and there is no backpay.
I had one atty look at my case and he said he couldn't understand their denial and said I should persue the appeal. He couldn't take the case because it is not his area he is actually a litigator on the defense side...his clients are employers and insurance carriers. He referred me to many others, who referred me to many others, and so on. This is how I got to the $4,000 up front guy.
My husband thinks, for stress reasons, we should let it go. I get so stressed out with this whole thing, and well, we know what stress does to someone suffering from RSD/CRPS. In filing another appeal, I am not sure what else could be done...I sent them all the medical records and letters from my primary dr, PM and counselor. They pulled out things from the medical records to help them, not looking at the majority of what most of the records state. I guess that is what they do....I dunno, I hate that they get away with this. And my employer, treated me like total crap at the end. Maybe I should listen to my husband and let it go and close that entire chapter.
Sorry, got to rambling there!
Nanc
Nanc, all insurance is, is a racket, nothing more nothing less. That is why the delivery of health care can not be carried out by for-profit insurance. As a supplement perhaps. In my wife's case I truly believe her employer and the full time health Insurance executives who reside at their corporate HQ are in business together in some shape or manner. And part of their business together is ridding itself of those who are no good to them any longer. One way they do that is deny care through the insurance company. Making the patient's life miserable and above all making it so complicated in getting treatment. That was my wife's issue that it took too long for doctors to treat and diagnose her. She knew that she had RSD before any doctor would treat her for it. She only received decent treatment when she was terminated and added to my employer's insurance. My Wife's treatment was immediate after her termination. To me it was by design. It took her 3 years after to receive SSDI and did receive back pay. She also was able to use her medicare because it took over 2 years to receive the SSDI.

Nanc, I wonder if there are any class action suits?
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"Thanks for this!" says:
Nanc (08-27-2013)